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Merchants And Planters Bank
Raymond, MS · FDIC Certificate #327 · Chartered 02/0
Total assets
$198.97M
Total deposits
$161.75M
Total equity
$36.43M
Net loans
$94.56M
Branches (offices)
6
Net income (YTD)
$1.28M
Rank: #2,983 of 4,213 U.S. banks by assets · #49 of 57 in Mississippi. Assets changed -5.6% and deposits -7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 7.14% |
| Net interest margin (YTD) | 4.29% |
| Equity to assets | 18.31% |
| Tier 1 leverage ratio | 18.17% |
| Uninsured deposits (share of deposits) | 29.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 58.5% |
| Real estate loans (share of loans) | 87.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $82.27M | 87.0% | |
| Commercial & industrial | $12.19M | 12.9% | |
| Consumer / individual | $2.10M | 2.2% | |
| Construction & development | $7.76M | 8.2% | |
| Agricultural | $153.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $191.15M | $161.19M | $469.00K | $28.86M |
| Jun 2023 | $206.02M | $176.87M | $1.50M | $28.97M |
| Jun 2024 | $188.35M | $155.46M | $1.40M | $32.29M |
| Jun 2025 | $210.88M | $174.93M | $1.66M | $34.85M |
| Jun 2026 | $198.97M | $161.75M | $1.28M | $36.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $161.75M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $161.75M.
Similar-sized banks
Elkton Bank & Trust Company ($199.05M) · Gouverneur Savings And Loan Association ($198.86M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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